• Regular servicing and maintenance help prevent costly breakdowns and keep your car running efficiently. Plus, we offer discounted service plans, extended warranties, and special deals to help you save on repairs.
  
  
• A well-maintained car with service records and warranty coverage will sell for a higher price when you're ready to upgrade. Our after-sales service ensures your vehicle stays in top condition, making it easier to resell or trade-in at a great value.
  
  
• Car issues can be stressful, but with our after-sales service, you have roadside assistance, warranty coverage, and expert advice whenever you need it. We’re here to keep you on the road, stress-free.
  
  

PCP (Personal Contract Purchase)

• Deposit: Usually required but can be flexible.
• Monthly Payments: Lower than HP as you only pay for depreciation, not full ownership.
• Final Payment: A large optional "balloon payment" to own the car.
• Ownership: You don’t own the car unless you pay the final balloon payment.
• Mileage/Condition Limits: Yes—exceeding limits can lead to charges.
• Flexibility: At the end, you can (1) pay the balloon payment to keep the car, (2) return the car, or (3) trade it in for a new deal.

HP (Hire Purchase)

• Deposit: Typically 10% of the car’s value.
• Monthly Payments: Higher than PCP but spread over a fixed term.
• Final Payment: A small "option to purchase" fee.
• Ownership: You own the car outright after the final payment.
• Mileage/Condition Limits: No restrictions.
• Flexibility: No balloon payment, making it simpler than PCP.

Lease Purchase

• Deposit: Usually required, similar to PCP.
• Monthly Payments: Like HP but often lower because a large final mandatory balloon payment is required.
• Final Payment: A required balloon payment—unlike PCP, you must pay this to own the car.
• Ownership: Guaranteed at the end after the balloon payment.
• Mileage/Condition Limits: Usually none since ownership is mandatory.
• Flexibility: Less flexible than PCP—since you must buy the car.

Which One is Best?

• PCP – Best if you like to change cars often and want lower monthly payments.
• HP – Best if you want to own the car with no big final payment.
• Lease Purchase – Best if you want lower monthly payments but know you will buy the car.

Yes, all three finance options—PCP, HP, and Lease Purchase—require a credit check because they are forms of borrowing. However, the type of check and its impact on your credit score can vary:

🔍 Soft vs. Hard Credit Searches

• Soft Search – Some lenders may do an initial check to give you a pre-approval or a finance quote. This does not affect your credit score.
• Hard Search – If you proceed with an application, a full credit check is done. This does affect your credit score and is visible to other lenders.

🚗 Credit Check for Each Finance Type

1. PCP (Personal Contract Purchase)
2. HP (Hire Purchase)
3. Lease Purchase

📊 What Credit Score Do You Need?

• Good to Excellent (700+) – More likely to get approval with better interest rates.
• Fair (600-699) – May get approval but with higher rates.
• Poor (Below 600) – Approval is harder, and interest rates will be high (or a guarantor may be needed).

The speed of the finance process depends on several factors, but in many cases, it can be approved within a few hours and completed within 1–3 days. Here's a rough timeline:

Quick Finance Process Breakdown:

1. Application Submission (⏱ 10–30 mins)
2. Credit Check & Approval (⏱ Minutes to a Few Hours)
3. Finance Agreement Signing (⏱ Same Day)
4. Payment to Dealer & Car Collection (⏱ 1–3 Days)

⏳ What Can Delay Finance?

❌ Poor credit history (extra checks may be required)
❌ Missing documents (proof of ID, bank statements, etc.)
❌ Dealer delays in confirming car details
❌ Out-of-hours/weekend applications

If everything is straightforward, you can get finance approved the same day and drive away within 24–48 hours.